Creditors calling night and day?
Drowning in debt?
Want to GET OUT & STAY OUT of debt?

Have you been laid off?
Downsized?
Let go?
Put out to pasture, even though you weren't ready to go?
Do you know someone who has been?
We all do!
And in this time of economic uncertainty and constant
corporate turmoil, we all need a little help now and
then. As you watch your 401K shrink to the size of a
peanut while the corporate officers jet off to Aruba,
you may feel financially helpless. I sure would!
When you get the ax, the pink slip, the short good-bye, the
fine how do ya' do, you're fired! speech --
Where can you turn?
Or when prices keep going up, but your paycheck doesn't?
Or -- when that phone's ringing off the hook with people
demanding all of your hard-earned cash --
What can you do?
You just B$ Your Creditors ... so you can survive!
=======================================================

Now ... on to the info --
First, let's define some terms so you know who is actually
chasing you.
A CREDITOR is the person or business to whom you owe money.
A DEBT COLLECTOR is a person working for an agency which
collects other people?s debts.
Given a choice, you would like to stay with the "creditor" --
and not get passed off to a "debt collection agency."
It's far better to remain "in house" with your creditor
than to have them pass the bill off to a debt collector.
Why? Because if you make a deal with your creditor,
they are usually much happier with you because they will
get all the money you owe them. "Happier" means they are
more patient with you while you make the payments.
If your creditor gives the bill to a debt collection agency,
the agency takes between 33% and 50% of WHAT THEY
COLLECT, and the creditor only gets the balance.
So if the debt collection agency doesn't collect,
they don't get paid.
Which means, they are REALLY gonna chase you!
They'll try to collect money from you even if you can?t pay
because of financial problems, or won?t pay because of a
dispute you have with the creditor. They don't care. They'll
do anything to get your money because that's the only way
they get paid.
BUT the law protects you against certain common -- and illegal --
debt collection practices.
You must know what they can, and can't, do to you so you
can protect yourself and your family. Here's a list of the
Top Twenty Things Debt Collectors Can't Do ... but might
try anyway!

=======================================================
B$ YOUR CREDITORS ... HOT TIP #2
Top Twenty Things Debt Collectors Can't Do ...
but might try anyway!

1. They can't threaten you with violence or harm
against your person or reputation.
2. Collectors cannot use profanity when speaking to you
or your family.
3. All collectors MUST identify themselves when calling,
no "just a friend from college" lies! That's illegal.
4. And they can't contact your neighbors, relatives or
employer to get them to ask you to pay a debt. They also can't
speak to your spouse about a debt, if that debt is only in
your name.
5. NO CALLS before 8am and NO CALLS after 9pm. The law
prohibits creditors or collection agencies from using
"harassment or abusive tactics" which means they can't bother
you by contacting you at an inconvenient or unusual time --
before 8 am or after 9 pm -- and at other times if you write and
inform them that a certain time is inconvenient.
6. They can't repeatedly use the telephone to annoy you and
-- in most states -- they can't legally call more than once a day.
7. They can't call you at work if you tell them your
boss disapproves. If they do, notify the caller in writing
that they shouldn't call you at work and keep a copy for yourself.
A creditor or collection agency may not call you at your job
after being notified by you that such calls are inconvenient
or that your employer does not allow them.
REMEMBER -- Collectors are trained to get you mad so you'll say
something they can use against you. So NEVER lose your cool ...
and NEVER scream at them, either calmly make a deal you can
live with -- or just hang up.
8. They can't threaten to arrest you! They can't suggest
that you've committed a crime, or that you will go to jail if you
don't pay your debt.
9. Collectors can't trick you with "official"-looking
fake government or legal documents.
10. If you post-date a check, they cannot cash it early.
11. They can't threaten to attach your wages or take your home
or cars or other possessions. They can't take ANYTHING -- unless
they sue you and win!
If you receive any legal papers, contact a lawyer immediately.
REMEMBER, even if the creditor wins a suit against you, your wages,
home, or other possessions can?t be attached if you faithfully pay
the weekly amount ordered by the court on time -- or if you have
very low wages. If the amount ordered is too high, go back to court
and try to have it reduced.
12. They can't collect more than you owe!
13. They can't send you a postcard or put anything on the
outside of an envelope that indicates that the letter inside is
about the collection of a debt.
14. They can't advertise your debt to embarrass you into paying.
15. They can't make you accept collect phone calls or pay for
telegrams. Don't accept the charges unless you want to -- but
don't get rude either ... just tell the operator you won't accept
the call and hang up.
16. They can't force you to use your Social Security
Disability, Pension, child support, alimony, retirement,
unemployment or welfare funds to pay the debt. If the creditor
sues you and wins, they might try to grab government benefits
which are directly deposited in your bank. Under the law,
government benefits DO NOT have to be used to pay most debts --
but you must file an "Exemption from Execution Claim" form
in order to protect your money.
17. They can't lie and tell you that the debt collector is an
attorney -- and the odds that they are a lawyer is so small as to
be a
joke. If you're a lawyer, you're making a whole lot more money
practicing law than you would be calling people trying to get them
to pay old bills!
18. They are not allowed to use a false name or misrepresent
themselves in any way. They must tell you who they are, what
company they work for, and what company they represent.
19. They can't tell you or imply to you that they represent
the United States government or any state government.
20. They can't lie and say that papers they are sending
are any part of a legal process if they aren't.
REMEMBER, it costs money to sue you. If your debt is small enough
... they won't spend more money than you owe, trying to collect
from you.
=======================================================
That's a whole lotta things they can't do, isn't it?
And I'll bet you ... that they've done at least some of
these things to you, haven't they?
Well, now you know that some of those calls are illegal!
There are laws on the books to protect you.
Your next B$ YOUR CREDITORS ... HOT TIP will be sent in
2 days and it'll tell you the Top Ten Things you should NEVER
say to your creditors, what to say instead, and the
Top Ten Things to ALWAYS say! For example:
#9. NEVER SAY -- Go ahead ... sue me!
SAY -- I have worked out a budget which allows me to pay you in
full at $10 a month. That way all the money goes directly to you
instead of to the lawyer you'd have to pay to sue me. Isn't that
better than your company forcing me into bankruptcy?
If you have any comments or feedback, please email me at:
Robin@BSyourCreditors.com.
These emails are meant to help fight your way through
a debt system created by large corporations to make money
for themselves -- and I want to show you how to defend yourself
so your advice will really help me. Thank you!
For the most complete advice (lots more than fits in an email!)
please buy the book, B$ YOUR CREDITORS ... SO YOU CAN SURVIVE!

Here's to your success,
Robin Krause
President/CEO
Sub Rosa Books, Inc.

P.S. We offer a 100% MONEY BACK GUARANT*E!
If you're in a hurry to start B$ing YOUR CREDITORS
go to http://www.BSyourCreditors.com to read sample pages
of this fun, useful 304 page book. Order your copy now so you
can create a financially secure future for you and your family.
The book may also be ordered at http://www.Wal-Mart.com,
Amazon, B&N, and at bookstores nationwide through Ingram.
Buy the book so you can start B$ing YOUR CREDITORS today

Stop living paycheck to paycheck!  There is a better way. 
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It's only $19.95 ... less than it'll cost you trip out at the local Mall. And it's a much better deal. It'll get you out of debt, and it won't break your bank account!

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Copyright 2002 Sub Rosa Entertainment, Inc. Important Caution to the Reader: The information on this site is not intended as legal advice for an individual situation. If you need further help and have not done so already, please contact an attorney. This site does not take the place of an attorney's advice based on the latest developments in finance law. This site is based on information from sources believed to be accurate on the topics included. However, it covers only the broad general principles set forth herein and is not intended to be an exhaustive legal treatise on these subjects. The authors are not attorneys or CPAs and do not purport to offer legal or accounting advice. Neither the authors nor the publisher are engaged in rendering legal, accounting, or other professional services. Remember, NO advice or book can replace a good lawyer. Specific problems invariably involve individual considerations and should be promptly referred to legal counsel or other expert assistance. This site was written around American credit and finance laws. As such, much of this site might not apply in other countries. Although every effort has been made to make this email as complete and accurate as possible there may be mistakes both typographical and in content. Therefore, this text should be used only as a general guide and not as the ultimate source of credit information. The reader is encouraged to read all available material and to learn as much as possible about the subject. Furthermore, this site contains accurate information only up to the posting date. The laws change swiftly, especially in the area of finance. So when in doubt, see a lawyer! This site is presented without warranties of any kind, express or implied, and the publisher and authors disclaim any liability, loss or damage caused by the contents of this site.